Insurance question.

Traumadoc

I have fully comp insurance on my main car, can I drive my other car if it is not insured?

Seth Brundle

It will depend on what is stated (or not!) within your policy documentation!

Eoin

Most policies stipulate that the other car be covered. Otherwise it would be too easy for kids to get insured on a micra and use that policy to drive an uninsured Skyline or something.

Martron

ot depend. but with my policy from quinn i could drive any car to the value of 100000 euro . i would be covered 3rd party only.... only however if the other car was insured and i had permission to drive the car

Seth Brundle

IIRC my policy does not say anything about it being insured so they do vary (hence my earlier post)

Martron

you are totally right . there is no point really talking about this as every company is different and you can pay extra for different types of coverage. your best bet is to ring your insurance company directly. That elliminates any doubt that you will have and any trouble you may get into if turns out otherwise!!

Gregor Samsa

Martron wrote: »

ot depend. but with my policy from quinn i could drive any car to the value of 100000 euro . i would be covered 3rd party only.... only however if the other car was insured and i had permission to drive the car

Well, it's usually not any car: the other car can't be registered to you.

The OP is talking about having a main car and a second car, but driving the second car on the main car's policy. The only way to do that would be to transfer the policy onto the other car for the specific time you wanted to use it. Obviously, this would be an occasional arrangement, as opposed to something you'd do very often - the insurance company would cop on quite quickly, and do something (start charging to transfer, or not let you at all) to encourage you to take out a second policy on the other car.

Martron

ah misread the original post.

yeah still though the best thing is to clarify it with the insurance company. honest is the best policy when it comes to this sort of thing

J.S. Pill

eoin wrote: »

Most policies stipulate that the other car be covered. Otherwise it would be too easy for kids to get insured on a micra and use that policy to drive an uninsured Skyline or something.

A lot of companies don't require the other car to have current insurance cover. However, the fact that you wouldn't be able to tax the skyline without specific insurance for the skyline is usually a fairly big impediment to kids driving the said skylines on their micra's insurance.

Gregor Samsa

J.S. Pill wrote: »

A lot of companies don't require the other car to have current insurance cover. However, the fact that you wouldn't be able to tax the skyline without specific insurance for the skyline is usually a fairly big impediment to kids driving the said skylines on their micra's insurance.

Paying motor tax online asks you to enter your insurance policy number, but it doesn't validate it against anything - so you can enter any old gibberish. Now, it's probably an offence to do so (deliberately providing incorrect information), but it would allow one to receive a valid tax disc for a car without specific insurance.

O.A.P

Traumadoc wrote: »

I have fully comp insurance on my main car, can I drive my other car if it is not insured?

No, well not legally.

SV

Traumadoc wrote: »

I have fully comp insurance on my main car, can I drive my other car if it is not insured?

If it's not registered to you and the Garda doesn't argue you are the true owner then yes.
At least with Quinn anyway.


The thing is the car that's not under the main policy is covered THIRD PARTY ONLY, no fire and theft, nothing!
It covers a car as least as possible under the law and is only really handy for doing favours and the likes like driving someones car off somewhere or moving it for them etc.

Not worth it if you're going to try and drive 2 cars you own the whole time.
You will eventually be caught..then you'll be regretting it.